Convicted driver car insurance uk

MOTORISTS who speed even a few mph over the limit could see their car insurance premiums rise. Any driver with a speeding fine, no matter how serious, can be forced to shell out more money to get out on the road, a report has found. While driving convictions will always add more to your insurance costs, even drivers who have been given a minor Fixed Penalty Notice (FPN) for speeding will be forced to pay more. According to Consumer Intelligence, drivers convicted of speeding on the motorway are hit with the biggest increase on their premiums. Those with an SP50 fine for breaking the speed limit on a motorway can expect to be charged as much as 15 per cent more the next time they renew their car insurance. The average UK insurance bill for a motorists without any convictions is £693 - but that jumps to £794 for anyone with an SP50. And older drivers are hit with even larger penalties than most. Motorists over the age of 50 with a motorway speeding ticket added an average of … [Read more...] about Driving just a few mph over the speed limit on the motorway could see your car insurance premiums soar

Average car insurance costs have fallen for the first time in three years – very slightly. Experts warn, however, that prices are still at near-record levels and many motorists are spending hundreds of pounds more than they need to. Here are a few simple steps that could help drive down the cost of your premiums. 1. Shop around It might sound obvious but don’t just take the first quote you get. Prices for the same cover can vary wildly between insurers so use a price comparison site to find the cheapest deal. And don’t assume that because your insurer was cheapest last time around that they still are. Britons are wasting a collective £652.5 million a year by simply auto-renewing their policy. The average auto-renewed policy rose by £50 last year. As of last April, renewal quotes have to include last year’s premium so you can see just how much your bill is changing. 2. Think about how you use your car How much you use your car and the way you use it can … [Read more...] about Nine ways to reduce your car insurance costs

DRINK-DRIVING remains a menace on Britain's roads with thousands continuing to drink and then jump behind the wheel. The danger of a deadly accident should be deterrent enough but the courts are also able to hand down a lengthy driving ban, fines and even jail terms - here's how the penalties are calculated... How are drink-driving fines calculated? You could be imprisoned, banned from driving and face a fine if you’re found guilty of drink-driving. But the exact punishment each driver is handed depends solely on the decision of the magistrate in court. This depends on what your breath test result was and if you have previous driving convictions. Magistrates will then place you in one of the salary-based sentencing "bands" laid out in the court guidelines. These are designed to make fines fair - so drivers on regular incomes pay less than super-rich celebs and footballers like Wayne Rooney or Ant McPartlin. Fine Band A: 50% of relevant weekly income (between 25 – 75% of … [Read more...] about What is the average fine for drink driving, what’s the maximum and how are they calculated in the UK?

CAR thieves have a 50-50 chance of escaping a conviction for stealing your car, according to a new study. Just half of the cases cases of motor theft that went to court over a five year period actually resulted in a conviction. Conducted by Churchill Car Insurance, the study found in 7,405 cases from 2012-2016, just 3,696 sentences were handed down. But even more alarming was the number of cars reported stolen in the same period compared to the relatively low conviction rate. That means just two per cent of cars stolen resulted in someone being fined, jailed or given community service. Tips for protecting yourself from car theft Keep the vehicle locked: Always double-check that your car is locked before leaving your vehicle. Never leave the engine running when you are not with it, and unless you have a secure parking garage, ensure the car is locked when parked outside your home. Invest in the right technology: Most modern cars are fitted with alarms and immobilisers as … [Read more...] about Car thieves have a 50 PER CENT chance of getting away with stealing your motor, according to study

DRINK driving is to blame for a shocking number of deaths and serious injuries on British roads every year. Here's all the information you need about UK laws and when the first ever roadside breath test in the UK was carried out... What is the drink-driving limit in the UK? The drink drive limit differs in the UK depending on if you are in England, Wales, Northern Ireland or Scotland. Government guidelines state that the limit in England, Wales and Northern Ireland is 80 milligrammes of alcohol per 100 millilitres of blood, 35 microgrammes per 100 millilitres of breath or 107 milligrammes per 100 millilitres of urine. In Scotland the limits are 50 milligrammes of alcohol per 100 millilitres of blood, 22 microgrammes per 100 millilitres of breath or 67 milligrammes per 100 millilitres of urine. With just 10mg per 100ml of blood you are 37 per cent more likely to be involved in a fatal road accident than when sober. What can … [Read more...] about What is the UK drink driving limit, how many alcohol units can you legally drink before getting behind the wheel and when was the first roadside breath test?